Automatic teller machine (ATM) electronic push requests

ABSTRACT

An automatic teller machine (ATM) can operate to send an electronic push request, in various instances, using only an email address to process the push request from a user. The ATM may be configured with customized display software, for example, that allows an end user to operate a touchscreen (or other input mechanism) to enter email addresses for one or more electronic transfer destinations. In various instances, the ATM may also communicate with a back-end server to perform queries on an entered email address and to map the email address to a pre-existing account or a holding account. Thus, a user can effectuate electronic transfers without needing to know, for example, a routing number associated with a destination for the transfer, representing an innovative improvement over previous electronic transfer technology.

PRIORITY CLAIMS

This application is a continuation of U.S. patent application Ser. No.11/962,733, filed on Dec. 21, 2007, the benefit of U.S. ProvisionalPatent Application Ser. No. 60/981,402, filed on Oct. 19, 2007, andtitled “Payment Using Funds Pushing.” The contents of which areincorporated herein by reference in their entirety.

BACKGROUND

The Internet and the World Wide Web (“Web”) have changed the landscapeof information delivery and affected numerous aspects of life, includingelectronic commerce and entertainment. One area that has benefited fromthis technological development is the ability for individuals to buy andsell products over the Internet. The resulting growth of electroniccommerce has encouraged many businesses to join hands in doing businessand in sharing customers and their information. The overlappingbusinesses, partnerships in conducting business, referrals, mutualdistribution of resources, and sharing of users and user information hascreated a network of applications, servers, and Websites which hascreated various technical challenges, complexities, and insecurities.

BRIEF DESCRIPTION OF THE DRAWINGS

Some embodiments are illustrated by way of example and not limitation inthe figures of the accompanying drawings in which:

FIG. 1 is a high level diagram illustrating payment using funds pushingaccording to various embodiments of the invention.

FIG. 2 is a simplified diagram illustrating an example graphical userinterface according to various embodiments of the invention.

FIG. 3 is a block diagram illustrating another example of a graphicaluser interface according to various embodiments of the invention.

FIG. 4 is a block diagram of apparatus and systems according to variousembodiments of the invention.

FIG. 5 is a flow diagram illustrating methods according to variousembodiments of the invention.

FIG. 6 is a flow diagram illustrating additional methods according tovarious embodiments of the invention.

FIG. 7 is a block diagram illustrating a client-server architecture tofacilitate payment using funds pushing according to various embodimentsof the invention.

FIG. 8 is a block diagram of a machine in the example form of a computersystem according to various embodiments of the invention.

DETAILED DESCRIPTION

The inventors have discovered that there is a demand from consumers forsubstantially-instantaneous settlement when funds are moved betweenvarious entities. For example, conventional mechanisms include the useof the Automated Clearing House (ACH) to transfer funds from a bank to avendor. Faster methods, such as credit card payment, often result inrelatively steep fees for service.

To address these challenges, among others, the inventors have discovereda mechanism for pushing funds directly from a financial entity, such asa bank, to a payment processor (e.g., PayPal, Inc. a subsidiary of eBayInc. of San Jose, Calif.), based on an email address. If the owner ofthe email address has another financial entity account linked to theemail address, then the funds can be immediately swept by the paymentprocessor into the linked account.

For the purposes of this document, the term “agent” shall be taken toinclude, but not be limited to, a person or a machine (e.g. AutomatedTeller Machine (ATM)) that is capable of taking some kind ofidentification (e.g., driver license, passport, other valididentification cards, or biometric identification) to verify theidentity of a customer.

For the purposes of this document, the term “email account” shall betaken to include, but not be limited to, an account associated with anemail address. An email account may be distinguished from a normalaccount in several ways, including the manner in which the account maybe accessed.

For the purposes of this document, the term “normal account” shall betaken to include, but not be limited to, any account other than a mobileaccount.

Some embodiments described herein enable a user to remit an amount fromhis/her financial entity account to one or more mobile phone numbersassociated with one or more second parties (e.g., persons who may or maynot have any bank accounts). The second party may be notified of theamount and the identification of the remitting party. The second partymay spend any part of the received amount by transferring that portionto another account (e.g., a second party's account or a third party'saccount in the same financial entity or at other financial institutionsor banks), receiving cash at an agent, or shopping at a vendor'sbusiness.

Some embodiments may include receiving a request, at a financial entityand from a first party, to remit an amount (e.g. $100) from an accountassociated with the first party, to an account linked to an emailaddress associated with a second party; and notifying (e.g., by callingor by sending a message such as a text message) the second party of theamount to be remitted and the identity (e.g., name and phone number oremail address) of the first party.

In some embodiments, the financial entity, having an established bankingrelationship with the payment processor, can push funds directly into anaccount held either within the financial entity by the paymentprocessor, or by the payment processor itself. The request by the firstparty may be made to the financial entity using a wired or wirelessterminal, including a cellular telephone, or by online via the Internet.

Example System Architecture

FIG. 1 is a high level diagram illustrating payment using funds pushingaccording to various embodiments of the invention. Here it can be seenthat a system 100 for pushing funds may operate to receive a request 140to push funds at a first financial entity, perhaps at a first financialentity server 106. The request 140 may be initiated by a first party(e.g., a person having ownership of an account held by the firstfinancial entity), making use of a client terminal 116 with a graphicaluser interface (GUI) 102. One example of such a request might embody theterms “$25” (an amount) and “payee@homepage.com” (an email addressassociated with a second party).

Responsive to receiving the request, the first financial entity may thenpush the amount to the paid (here “$25”) from the account associatedwith the first party directly to a selected payment processor as part ofactivity 142. If the email address of the second party is linked to anaccount at a second financial entity, the payment processor, perhapstaking the form of a payment processor server 109, may act to push thefunds to the account at the second financial entity, which may take theform of a second financial entity server 111.

A message 146 may be sent to another client terminal 108, which may takethe form of a cellular telephone in some embodiments, informing thesecond party of: the fact that a request has been made, the identity ofthe first party initiating the request, the identity of the firstfinancial entity pushing the funds, the amount of funds requested to betransferred, that the funds have been successfully pushed to the paymentprocessor, and/or that the funds have been successfully pushed to thesecond financial entity.

The message 146 may also be used to inform the second party that thereis no account at a second financial entity linked to the email address,and that such a link can be made. The second party may go on toestablish such a link, and later request that the funds be swept from aholding account at the payment processor to the linked account.

In some embodiments, one or more banks selected by the payment processormay be offered to the second party as part of a list in the message 146,so that when a bank is selected from the list, as part of a link request144, an account is created substantially simultaneously at the selectedbank, and the funds are then pushed into the newly-created account. Thefirst party account may comprise a bank account, a credit/debit account,a brokerage account, and other types of accounts.

In some embodiments, the first party may visit a website associated withthe first financial entity to login and complete a request form toinitiate payment. After receiving the request, the first financialentity may push the requested funds to the payment processor, and thenthe funds may be pushed from the payment processor directly to a secondfinancial entity having an account linked to the email address.

FIG. 2 is a simplified diagram illustrating an example graphical userinterface 200 according to various embodiments of the invention Thisinterface 200 is one of many that are possible. In the particularexample of FIG. 2, a sample web page that might be seen by an accountowner that has logged into his bank account on the Internet is shown.Here, the “PAY NOW” option 204 has been selected, calling up the PAY NOWPAGE 208. This selection permits the account owner (e.g., a first party)to select a particular account 212 that can be used to send a paymentamount 216 to another account that is linked to a specified emailaddress 220. To push the funds from the account to a payment processor222 that can make the fund transfer, and eventually, to the party thatis to receive payment (e.g., a second party associated with the emailaddress 220), the account owner might simply click on the PAY NOW widget224.

In some embodiments, a message field 228 in the GUI 200 may be used toinform the account owner that the transfer of funds has been completed.Other fields in the GUI 200 may be used to provide alternatives, such asan OTHER ACCOUNTS field 232, to select a particular account to use forpayment, and a PAY NOW ADDRESSES field 236 to select email addresses,such as from an address book, to be paid. While not shown in FIG. 2,those of ordinary skill in the art will realize that multiple emailaddresses may be specified so that the payment amount 216 can be sent tomultiple addressees at the same time. In this case, a total amount field240 may be used to reflect the total amount of funds to be paid/pushed.

FIG. 3 is a block diagram illustrating another example of a graphicaluser interface 300 according to various embodiments of the invention.This interface 300 is one of many that are possible. In the particularexample of FIG. 3, a sample web page that might be seen by an accountowner that has logged into his bank account on the Internet is shown.Here, the “AGGREGATE PAY” option 344 has been selected, calling up theBIG BANK AGGREGATE PAY PAGE 348. This selection permits the accountowner (e.g., a first party) to select several accounts 352 (e.g.,accounts shown to be held by BIG BANK, LITTLE BANK, and BROKER) in theaggregate pay now window 354 that can be used to send a payment amount316 to another account that is linked to a specified email address 320.To push the funds from the selected accounts 352 to a payment processor322 that can make the fund transfer, and eventually, to the party thatis to receive payment (e.g., a second party associated with the emailaddress 320), the account owner might simply click on the PAY NOW widget324.

When using the aggregate pay function, multiple accounts 352 from avariety of financial entities can be used to make a payment. The orderof funds withdrawal can be specified with the pay order indicatorwindows 356, so that when the total payment amount 340 is greater thanthe balance of funds in the first account indicated in the pay orderindicator windows 356 (e.g., the first account held by BROKER has$500.00 on hand, while the total payment amount is $550.00), additionalfunds may be aggregated from other accounts (e.g., the second in order,which is the BIG BANK account that has $100.00), and the necessary fundsto make up the needed payment can be provided. The accounts 352 used foraggregation can be added and removed as desired, and other accounts maybe selected (e.g., the CREDIT UNION account shown in the OTHER ACCOUNTSfield 332 window 360).

In some embodiments, a message field 328 in the GUI 300 may be used toinform the account owner that the transfer of funds has been completed.Other fields in the GUI 300 may be used to provide alternatives, such asan OTHER ACCOUNTS field 332, to add or remove a particular account touse for payment, and a PAY NOW ADDRESSES field 336 to select emailaddresses, such as from an address book, to be paid. While not shown inFIG. 3, those of ordinary skill in the art will realize that multipleemail addresses may be specified so that the payment amount 316 can besent to multiple addressees at the same time. The total amount field 340can be used to reflect the total amount of funds to be paid/pushed.

FIG. 4 is a block diagram of apparatus 402 and systems 410 according tovarious embodiments of the invention. The apparatus 402 can take manyforms, such as an automated teller machine (ATM), a cellular telephone,a desktop computer terminal with Internet access, etc.

In some embodiments, the apparatus 402 may comprise one or more userinput devices 408, such as a voice recognition processor 416, a keypad420, a touchscreen 424, a thumbwheel, a button, etc. The apparatus 402may include a client module 432 to communicatively couple to a server(e.g., server 430). The apparatus 402 may include a payment module 428to receive a request 414 initiated by the user input device 408 to pushan amount to be paid from an account associated with a first party andheld by the first financial entity directly to an account linked to anemail address associated with a second party via a selected paymentprocessor. The apparatus 402 may further comprise a cellular telephonetransceiver 406 to transmit a message associated with the request 414,wherein the message is to be sent to the email address. Thus, an accountowner at the first financial entity might use his cell phone to pushfunds directly from his bank to the payment processor, and send amessage at the time the funds are moved to the payment processor.

Other embodiments may be realized. For example, a system 410 maycomprise one or more of the apparatus 402. Thus, a system 410 maycomprise a first client terminal 402 having a user input device 408, aclient module 432, and a payment module 428 to receive a request 414initiated by the user input device 408.

The system 410 may further include a server 430 having a funds transfermodule 438 associated with an account associated with a first party andheld by a first financial entity. The request 414 may be to push anamount to be paid from the account associated with the first partydirectly to an account linked to an email address associated with asecond party via a selected payment processor. The funds transfer module438 may be used to effect the direct transfer of the amount to be paidto the selected payment processor responsive to receiving the request414. Thus, a client terminal 402 and a bank server 430 may cooperate topush funds, in contrast with the conventional process of “pulling” fundsfrom the bank account into a payment processor by making a request froma payment processor (e.g., PayPal payment processing service request) toa bank in order to move the funds from the bank to the paymentprocessor.

In some embodiments, the system 410 comprises a second client terminal450 associated with the selected payment processor and communicativelycoupled to the server 430, perhaps via a wired or wireless network 418,including a global computer network, such as the Internet. An ATM may beused to house the user input device 408 in some instances.

Example Methods

FIG. 5 is a flow diagram illustrating methods 511 according to variousembodiments of the invention. For example, a computer-implemented method511 may begin with receiving a request to purchase an item presented byan online marketplace at block 513, and continue on to block 517 withdetermining the amount to be paid from a purchase price associated withthe item. Thus, an online purchase might serve to initiate thefunds-push process. In many cases, manual activity by a bank customermay serve to provide a request for payment, and in some instances, arequest can also be made to set up periodic payments, e.g. $600 eachmonth for rent to the landlord's email address, and so forth. Manyvariations are possible.

In most embodiments the method 511 includes, at block 521, receiving arequest at a first financial entity from a first party to transfer anamount to be paid from an account associated with the first party andheld by the first financial entity, to an account linked to an emailaddress associated with a second party via a selected payment processor.In some cases, the request at block 521 may be made when there areinsufficient funds in the first party account.

Thus, the method 511 may include determining the sufficiency of funds inthe account associated with the first party to pay the amount to be paidat block 525. If it is determined that the funds are insufficient to paythe amount to be paid at block 525, then the method 511 may includeaggregating a total amount of available funds from other financialentities until the total amount is sufficient to pay the amount to bepaid.

To accomplish the aggregation of funds, several methods may be employed.The first may be to manually aggregate funds, as shown in FIG. 3, wherethe account owner selects financial entities to supply the funds, andperhaps, the order in which funds are to be applied.

A second method might include auto-aggregation to make up for theshortfall. In this case, the method 511 may include sending queries toaggregate information including a plurality of available transferamounts associated with a corresponding plurality of financial entities(including the first financial entity) at block 529, and then displayingthe plurality of available transfer amounts as part of a single displaypage prior to pushing the amount to be paid at block 531. Thus,inquiries can be made to gather information on money available to payout from other accounts, and the available funds from several financialinstitutions can be displayed at once.

When available funds are sufficient to pay the amount requested, thenthe method 511 may include pushing the amount to be paid from theaccount associated with the first party directly to the selected paymentprocessor at block 533.

The first party and first financial entity are thus the parties thatpay, and the second party is the party that is paid. Essentially, usinga payment processor, one can transfer money from an account at a firstfinancial entity to an account at a second financial entity by using nomore than an email address associated with the second financial entityaccount as the sole identifier. As a matter of contrast, the ACH networkdoes not identify account holders by their email address, even though itmay act as a processor to transfer funds between individuals holdingaccounts in different entities.

A financial entity can server as a funding source for a transaction whenfunds are transferred. A payment processor transfers money between twoaccounts, but is not a source of funds. For example, the PayPal paymentprocessing service operates to transfer money between two accounts itholds, and in the process, requests funds to be pulled from a bankaccount associated with the first account. In various embodiments, abank, as a financial entity, serves as the ultimate source of funds, andcan push them to a payment processor directly, without receiving arequest from the payment processor to pull them.

In some embodiments, the method 511 includes determining whether anaccount is linked to the email address at block 551. If a link does notexist (e.g., there is no bank account linked to the email address), themethod 511 may include creating, by the selected payment processor, anaccount linked to the email address as a holding account responsive toreceiving the amount to be paid, and then holding the amount to be paidin the holding account at block 541. The method 511 may then continue onto block 545 with sending a request, to the second party, to link anaccount held by a second financial entity (e.g., another bank) to theemail address. That is, the method 511 may include sending a message tothe email address requesting the second party to establish an accountassociated with a second financial entity to link to the email address.Thus, if there is no bank account linked to the email address, a requestcan be made to get one. Once the link is made, the method 511 mayinclude receiving a notification that the account associated with thesecond financial entity has been established at block 549.

If the determination is made at block 551 that an account is linked tothe specified email address, then the method 511 may include pushing theamount to be paid from the selected payment processor directly to theaccount linked to the email address at block 555. In some cases, themethod 511 may include, responsive to receiving the notification atblock 549, automatically sweeping the amount to be paid from theselected payment processor directly to the account associated with thesecond financial entity. The auto-sweep operation may even operate tosweep funds into a credit card account. The method 511 may conclude atblock 559 with notifying the second party of the amount to be paid bysending an email message to the email address.

FIG. 6 is a flow diagram illustrating additional methods 611 accordingto various embodiments of the invention. In some embodiments, acomputer-implemented method 611 may begin at block 613 with presenting,via a networked client coupled to a first financial entity, a graphicaluser interface (GUI) including an account associated with a first party,an amount to be paid, and an email address associated with a secondparty. The method 611 may continue on to block 617 with presenting asingle payment widget as part of the GUI (e.g., a “pay now” button).

In most embodiments, the method 611 may include, at block 621, receivingan indication from the GUI to transfer, via a selected paymentprocessor, the amount to be paid from the account associated with thefirst party and held by the first financial entity to an account linkedto the email address. A few examples of many possible GUIs are shown inFIGS. 2 and 3.

If a shortfall of funds exists in the primary payment account, asdetermined at block 625, the method 611 may include accessing an accountheld by another financial entity responsive to receiving the (transfer)indication at block 627, and transferring an initial amount less thanthe amount to be paid from the account held by the other financialentity to the account held by the first financial entity at block 629.This initial amount will most likely be an amount sufficient to make upthe shortfall in the primary account, but can also be a greater amount,or a lesser amount (if further accounts are to be accessed and othertransfers are made, until the aggregate amount is sufficient to pay thetotal amount requested).

As noted previously, when a request from the payment processor to thefirst financial entity had been made prior to the funds beingtransferred to the payment processor, then the funds would have been“pulled” into the financial processor. However, as a matter of contrast,in most embodiments, the method 611 includes pushing the amount to bepaid from the account held by the first financial entity (e.g.,comprising a bank) directly to the selected payment processor at block633. That is, the funds are “pushed” to the payment processor directlyfrom the first financial entity, without a request to pull funds beinginitiated by the payment processor.

As noted previously, if there is no link established between thespecified email address and an account, as determined at block 637, themethod 611 may include holding the funds pushed to the payment processorin a holding account at block 645, sending a request to the second partyto create a link between the email address and an account at a secondfinancial entity (e.g., comprising a bank, brokerage, credit union, orcredit card account) at block 645, and then receiving notification thatthe link has been created at block 649.

Once it is determined that an account is linked to the specified emailaddress, the method 611 may include pushing the amount to be paid fromthe selected payment processor directly to a credit card account linkedto the email address at block 655. In some cases, the method 611 mayalso include automatically sweeping the amount to be paid from theselected payment processor to the account linked to the email address atblock 655. The method 611 may conclude with notifying the second partyof the amount to be paid by sending a message to the email addressand/or sending the message to a mobile phone number associated with theemail address. The message may be used to notify the second party (e.g.,payee) that he has been paid, or that he will be paid if he creates anaccount link, for example.

In some embodiments, an email registry can be used as an adjunct topayment processors for each of the methods 511, 611 described herein.The registry, which links email addresses to bank accounts or creditcard accounts, can serve as a lookup service to be used by paymentprocessors. The registry may also include links between phone numbers,including cell phone numbers, bank accounts, credit card accounts, andemail addresses.

The methods 511, 611 described herein do not have to be executed in theorder described, or in any particular order. Moreover, variousactivities described with respect to the methods identified herein canbe executed in repetitive, serial, or parallel fashion. Information,including parameters, commands, operands, and other data, can be sentand received in the form of one or more carrier waves.

One of ordinary skill in the art will understand the manner in which asoftware program can be launched from a computer-readable medium in acomputer-based system to execute the functions defined in the softwareprogram. Various programming languages may be employed to create one ormore software programs designed to implement and perform the methodsdisclosed herein. The programs may be structured in an object-orientatedformat using an object-oriented language such as Java or C++.Alternatively, the programs can be structured in a procedure-orientatedformat using a procedural language, such as assembly or C. The softwarecomponents may communicate using a number of mechanisms well known tothose skilled in the art, such as application program interfaces orinterprocess communication techniques, including remote procedure calls.The teachings of various embodiments are not limited to any particularprogramming language or environment.

Thus, other embodiments may be realized, including a machine-readablemedium (e.g., the memories 434 of FIG. 4) encoded with instructions fordirecting a machine to perform operations comprising any of the methodsdescribed herein. For example, some embodiments may include amachine-readable medium encoded with instructions for directing a clientterminal or server to perform a variety of operations. Such operationsmay include any of the activities presented in conjunction with themethods 511, 611 described above.

Example Network Architecture

FIG. 7 is a block diagram illustrating a client-server architecture tofacilitate payment using funds pushing according to various embodimentsof the invention. The system 700, having a client-server architectureused for mobile remittance and/or payments. A financial platform, in theexample form of a network-based financial system 702, providesserver-side functionality, via a network 780 (e.g., the Internet) to oneor more clients. FIG. 7 illustrates, for example, a web client 706(e.g., a browser, such as the Internet Explorer browser developed byMicrosoft Corporation of Redmond, Wash.), and a programmatic client 708executing on respective client machines 710 and 712. In an exampleembodiment, either or both of the web client 706 and programmatic client708 may include a mobile device.

Turning specifically to the network-based financial system 702, anApplication Program Interface (API) server 714 and a web server 716 arecoupled to, and provide programmatic and web interfaces respectively to,one or more application servers 718. The application servers 718 hostone or more financial applications 720 and payment applications 722(e.g., similar to or identical to the funds transfer module 438 of FIG.4). The application servers 718 are, in turn, shown to be coupled to oneor more database servers 724 that facilitate access to one or moredatabases 726, such as registries that include links between emailaddresses, phone numbers, and/or financial entity accounts.

The financial applications 720 provide a number of financial functionsand services to users that access the network-based financial system702. The payment applications 722 facilitate payments to accountsassociated with email addresses.

Further, while the system 700 shown in FIG. 7 employs a client-serverarchitecture, the present application is of course not limited to suchan architecture, and could equally well find application in adistributed, or peer-to-peer, architecture system. The various financialand payment applications 720 and 722 may also be implemented asstandalone software programs, which do not necessarily have networkingcapabilities.

The web client 706, it will be appreciated, may access the variousfinancial and payment applications 720 and 722 via the web interfacesupported by the web server 716. Similarly, the programmatic client 708accesses the various services and functions provided by the financialand payment applications 720 and 722 via the programmatic interfaceprovided by the API server 714. The programmatic client 708 may, forexample, be a payment module (e.g., similar to or identical to thepayment module 428 of FIG. 4) to enable a user to request transfer ofmoney from one or more of his/her accounts to one or more emailaddresses and to perform batch-mode communications between theprogrammatic client 708 and the network-based financial system 702.Client applications 732 and support applications 734 may perform similaror identical functions.

Thus, the network-based financial system 702 may provide a number ofpayment mechanisms whereby a user may request a payment from one or moreof his/her accounts to a one or more email addresses. The financialapplications 720 may include one or more account management applicationswhich support and provide services related to various user accounts in afinancial entity (e.g. a bank). The various account managementapplications may also provide a number of features such as supervisingaccount transfers, holding account balances, and keeping tracking of andreporting transactions to relevant applications.

The financial applications 720 may also include dispute resolutionapplications to provide mechanisms whereby disputes arising betweentransacting parties may be resolved. For example, the dispute resolutionapplications may provide guided procedures whereby the parties areguided through a number of steps in an attempt to settle a dispute. Inthe event that the dispute cannot be settled via the guided procedures,the dispute may be escalated to a customer service agent for thefinancial system 702, third party mediator, or arbitrator.

Example Machine Architecture

FIG. 8 is a block diagram, illustrating a diagrammatic representation ofmachine 900 in the example form of a computer system within which a setof instructions for causing the machine to perform any one or more ofthe methodologies discussed herein may be executed. The machine 900 mayalso be similar to or identical to the client terminal 402, server 430,or terminal 450 of FIG. 4.

In alternative embodiments, the machine 900 may operate as a standalonedevice or may be connected (e.g., networked) to other machines. In anetworked deployment, the machine 900 may operate in the capacity of aserver or a client machine in a server-client network environment, or asa peer machine in a peer-to-peer (or distributed) network environment.

The machine 900 may be a server computer, a client computer, a personalcomputer (PC), a tablet PC, a set-top box (STB), a Personal DigitalAssistant (PDA), a cellular telephone, a web appliance, a networkrouter, switch or bridge, or any machine capable of executing a set ofinstructions (sequential or otherwise) that specify actions to be takenby that machine. Further, while only a single machine is illustrated,the term “machine” shall also be taken to include any collection ofmachines that individually or jointly execute a set (or multiple sets)of instructions to perform any one or more of the methodologiesdiscussed herein.

The example computer system 900 may include a processor 902 (e.g., acentral processing unit (CPU), a graphics processing unit (GPU) orboth), a main memory 904 and a static memory 906, all of whichcommunicate with each other via a bus 908. The computer system 900 mayfurther include a video display unit 910 (e.g., liquid crystal displays(LCD) or cathode ray tube (CRT)). The computer system 900 also mayinclude an alphanumeric input device 912 (e.g., a keyboard), a cursorcontrol device 914 (e.g., a mouse), a disk drive unit 916, a signalgeneration device 918 (e.g., a speaker) and a network interface device920.

The disk drive unit 916 may include a machine-readable medium 922 onwhich is stored one or more sets of instructions (e.g., software 924)embodying any one or more of the methodologies or functions describedherein. The software 924 may also reside, completely or at leastpartially, within the main memory 904 and/or within the processor 902during execution thereof by the computer system 900, the main memory 904and the processor 902 also constituting machine-readable media. Thesoftware 924 may further be transmitted or received over a network 926via the network interface device 920, which may comprise a wired and/orwireless interface device.

While the machine-readable medium 922 is shown in an example embodimentto be a single medium, the term “machine-readable medium” should betaken to include a single medium or multiple media (e.g., a centralizedor distributed database, and/or associated caches and servers) thatstore the one or more sets of instructions. The term “machine-readablemedium” shall also be taken to include any medium that is capable ofstoring, encoding or carrying a set of instructions for execution by themachine and that cause the machine to perform any one or more of themethodologies of the present invention. The term “machine-readablemedium” shall accordingly be taken to include tangible media thatinclude, but are not limited to, solid-state memories and optical andmagnetic media.

Using the apparatus, systems, and methods disclosed herein may provide anovel mechanism for making payments using funds pushing. Thus, insteadof initiating a request to transfer funds from a payment processor to afinancial entity to “pull” the funds into the payment processor, therequest may be initiated elsewhere, so that the funds can be “pushed”directly from the financial entity to the payment processor. Moreimmediate transfer of funds, and increased user satisfaction, mayresult.

The accompanying drawings that form a part hereof, show by way ofillustration, and not of limitation, specific embodiments in which thesubject matter may be practiced. The embodiments illustrated aredescribed in sufficient detail to enable those skilled in the art topractice the teachings disclosed herein. Other embodiments may beutilized and derived therefrom, such that structural and logicalsubstitutions and changes may be made without departing from the scopeof this disclosure. This Detailed Description, therefore, is not to betaken in a limiting sense, and the scope of various embodiments isdefined only by the appended claims, along with the full range ofequivalents to which such claims are entitled.

Such embodiments of the inventive subject matter may be referred toherein, individually and/or collectively, by the term “invention” merelyfor convenience and without intending to voluntarily limit the scope ofthis application to any single invention or inventive concept if morethan one is in fact disclosed. Thus, although specific embodiments havebeen illustrated and described herein, it should be appreciated that anyarrangement calculated to achieve the same purpose may be substitutedfor the specific embodiments shown. This disclosure is intended to coverany and all adaptations or variations of various embodiments.Combinations of the above embodiments, and other embodiments notspecifically described herein, will be apparent to those of skill in theart upon reviewing the above description.

The Abstract of the Disclosure is provided to comply with 37 C.F.R. §1.72(b), requiring an abstract that will allow the reader to quicklyascertain the nature of the technical disclosure. It is submitted withthe understanding that it will not be used to interpret or limit thescope or meaning of the claims. In addition, in the foregoing DetailedDescription, it can be seen that various features are grouped togetherin a single embodiment for the purpose of streamlining the disclosure.This method of disclosure is not to be interpreted as reflecting anintention that the claimed embodiments require more features than areexpressly recited in each claim. Rather, as the following claimsreflect, inventive subject matter lies in less than all features of asingle disclosed embodiment. Thus the following claims are herebyincorporated into the Detailed Description, with each claim standing onits own as a separate embodiment.

What is claimed is:
 1. A system, comprising: an automatic teller machine(ATM) apparatus, comprising: a display screen; a physical currencyreceiving device configured to accept physical banknotes; a user inputdevice; a first processor; and a first non-transitory computer-readablestorage medium having instructions stored thereon that are executable tocause the apparatus to perform first operations comprising: receiving adeposit of physical currency; via the user input device, receiving anelectronic funds transfer request specifying only an email address as anidentifier for transfer of a specific amount of currency, the specificamount of currency comprising at least a portion of the deposit ofphysical currency, wherein the electronic funds transfer request doesnot identify a particular financial entity to receive the specificamount of currency; and a networked server, configured to communicatewith the ATM apparatus, comprising: a second processor; and a secondnon-transitory computer-readable storage medium having instructionsstored thereon that are executable to cause the networked server toperform second operations comprising: determining, via database query,that no existing receiving account corresponds to the email address;responsive to the determining, creating a holding account linked to theemail address; transmitting, from the networked server to an emailserver, an email message to the email address that includes one or morefinancial entities as linking options for the holding account;receiving, at the networked server, an indication of a linking selectionof a particular entity of the one or more financial entities; based onthe linking selection, transmitting, to a computer system associatedwith the particular entity, an account creation request for theparticular entity; receiving an indication that a new currency-bearingaccount has been created responsive to the account creation request,wherein the new currency-bearing account is identified by a uniqueidentifier within the ACH network; and responsive to the indication,automatically transferring funds from the holding account to the newcurrency-bearing account over the ACH network using the uniqueidentifier and not the email address.
 2. The system of claim 1, whereinthe first operations further comprise crediting the deposit of physicalcurrency to an existing deposit account of a user of the ATM.
 3. Thesystem of claim 1, wherein the first operations further comprise:receiving a physical card instrument at the ATM apparatus; readingaccount information stored on the physical card instrument; andreceiving account verification information via the user input device. 4.The system of claim 3, wherein the first operations further comprise:verifying an account of a depositor of the physical currency based onthe received account verification information; and based on theverifying, displaying, on the display screen of the ATM apparatus,information indicating a capability of the ATM apparatus to send paymentto email addresses.
 5. The system of claim 1, wherein determining thatno existing receiving account corresponds to the email address comprisescontacting a payment processor to request an account identifier for theemail address.
 6. The system of claim 1, wherein the email messagenotifies a payee of the amount of currency and identifies a payor of theamount of currency.
 7. The system of claim 1, wherein the automaticteller machine is operated by an entity different than an entity thatoperates the networked server.
 8. The system of claim 1, wherein thesecond operations further comprise querying a database maintained by anentity that controls the networked server in order to determine that noexisting receiving account corresponds to the email address.
 9. Thesystem of claim 1, wherein a touchscreen comprises the display screenand the user input device.
 10. The system of claim 1, wherein the firstoperations comprise: presenting a display on the display screen allowingsending of funds to multiple different email addresses at one time. 11.A method, comprising: receiving at an automatic teller machine (ATM)apparatus, a deposit of currency from a user, wherein the ATM apparatuscomprises a display screen, a physical currency receiving deviceconfigured to accept physical currency, a user input device, and a firstcomputing processor; receiving, via the user input device of the ATMapparatus, an electronic funds transfer request specifying only an emailaddress as an identifier for transfer of a specific amount of currency,the specific amount of currency comprising at least a portion of thedeposit of currency, wherein the electronic funds transfer request doesnot identify a particular financial entity to receive the specificamount of currency; determining, by a networked server, that no existingreceiving account corresponds to the email address, wherein thenetworked server is configured to communicate with the ATM apparatus andcomprises a second computing processor; responsive to the determining,creating a holding account linked to the email address; transmitting,from the networked server to an email server, an email message to theemail address that includes one or more financial entities as linkingoptions for the holding account; receiving, at the networked server, anindication of a linking selection of a particular entity of the one ormore financial entities; based on the linking selection, transmitting,from the networked server to a computer system associated with theparticular entity, an account creation request for the particularentity; receiving an indication that a new currency-bearing account hasbeen created responsive to the account creation request, wherein the newcurrency-bearing account is identified by a unique identifier within theACH network; and responsive to the indication, automaticallytransferring funds from the holding account to the new currency-bearingaccount over the ACH network using the unique identifier and not theemail address.
 12. The method of claim 11, wherein the deposit ofcurrency from the user is in the form of physical currency.
 13. Themethod of claim 11, further comprising crediting the deposit to anexisting deposit account of the user.
 14. The method of claim 11,further comprising: verifying an account of the user based on receivedaccount verification information; and based on the verifying,displaying, on the display screen of the ATM apparatus, informationindicating a capability of the ATM apparatus to send payment to emailaddresses.
 15. The method of claim 11, wherein determining that noexisting receiving account corresponds to the email address comprisescontacting a payment processor to request an account identifier for theemail address.
 16. The method of claim 11, wherein the email messagenotifies a payee of the amount of currency and identifies a payor of theamount of currency.
 17. The method of claim 11, wherein the automaticteller machine is operated by an entity different than an entity thatoperates the networked server.
 18. The method of claim 11, furthercomprising querying a database maintained by an entity that controls thenetworked server in order to determine that no existing receivingaccount corresponds to the email address.
 19. The method of claim 11,wherein a touchscreen comprises the display screen and the user inputdevice.
 20. The method of claim 11, wherein the networked servercomprises a plurality of networked computing devices.